Jhenesis Mortgage · Private Construction Lending · Florida
Ground-Up Construction Loans
Built for Florida Developers Who Build Bold
$500K–$5M private construction financing for spec homes, townhomes, and multifamily — fixed rates, in-house draws, and closings in as little as 2–3 weeks.
Building from the ground up in Florida isn’t for the faint of heart — and neither is finding a lender who actually gets it. At Jhenesis Mortgage, we connect developers with private construction capital that moves at the speed of your project, not the pace of a bank committee.
Who We Are
Florida’s Non-QM Brokers — With a Direct Line to Real Construction Capital
We’re not a bank. We’re not going to hand your file to an underwriter in another state who’s never broken ground on anything. Jhenesis Mortgage is a Florida-based non-QM mortgage brokerage, and our ground-up construction lending partners have thirty years of hands-on development experience — they’ve been on the jobsite, they’ve managed draws, and they’ve financed over $5 billion in real estate transactions.
That background means when your project hits a timeline snag or you need a draw processed fast, you’re talking to people who already know what you’re dealing with. This isn’t a call center — it’s a team that’s been in the business of building Florida.
We specialize in luxury spec homes, high-end fix-and-flip projects, and smaller multifamily builds — the kinds of deals that conventional lenders often struggle to underwrite because they’re not cookie-cutter. That’s exactly where we thrive.
In real estate transactions financed by our lending partners over 30 years
Our construction lending partners aren’t just capital sources — they’re experienced developers and real estate operators who have acquired, built, and financed projects across every market cycle. That’s the experience backing your loan.
“We built this program specifically because we knew developers were being underserved by traditional lenders — too slow, too rigid, and too far removed from the realities of construction.”
— Stacy Ann Stephens, MBA · Jhenesis Mortgage
Construction Lending Terms
Clear Terms. No Surprises. Just Capital That Works.
We put the full program on the table — no teaser rates, no fine-print gotchas. Here’s exactly what our universal private construction loan program looks like for Florida developers.
| Loan Parameter | Program Details |
|---|---|
| Property Types | Single Family (spec), 2–4 Units, Townhomes, Multifamily — Investment Purposes Only |
| Lending Area | State of Florida — Statewide |
| Loan Amount | $500,000 – $5,000,000 Loan may include land, soft/closing costs, construction costs, and interest reserve |
| Land Acquisition | Up to 55% of land costs (pre-construction) |
| LTV / LTC | Deal and asset class dependent |
| Interest Rate | Fixed Rate Competitive — charged only on monies advanced |
| Interest Reserves | Available — can be built directly into the loan |
| Loan Term | 12–24 months (Extensions Available) |
| Prepayment Penalty | ✓ No Prepayment Penalty |
| Borrower Experience | ✓ Not Required |
| Inspection / Draw Mgmt | In-house inspections and draw management — immediate funding |
| Closing Timeline | ✓ As little as 2–3 weeks |
All terms subject to lender approval and deal specifics. Contact Jhenesis Mortgage for a project-specific quote.
Who This Is For
You Don’t Need a Track Record. You Need the Right Lender.
One of the biggest things that sets our program apart? Borrower experience is not required. If you’re a first-time developer with a solid deal, we want to hear from you. Here’s who this program was built for:
Luxury Spec Home Builders
Constructing a high-end single-family spec home in a desirable Florida market? Our program was designed specifically for this — with loan amounts up to $5M and fixed rates that make your pro forma predictable.
High-End Fix & Flip Developers
If your flip goes beyond cosmetics into full reconstruction, this is your product. We understand the timeline pressure of a flip and our in-house draw management keeps your project funded and moving.
Small Multifamily Developers
Building 2–4 units or a townhome project? We fund new construction for smaller multifamily across all of Florida — the segment that most private lenders overlook.
First-Time Developers
Never built before? Our lending partners evaluate the deal first. If the project pencils out and you have the right team around you, experience alone won’t hold you back.
International & Foreign National Investors
Jhenesis Mortgage has deep experience serving international buyers and foreign national investors. We can help you navigate construction lending even without a U.S. credit history.
Real Estate Investors Scaling Up
Already running a rental portfolio and ready to build instead of buy? This program bridges the gap from acquisition to new construction — with the option to roll land costs into your loan.
Why Jhenesis Mortgage
We’re Not Just a Broker.
We’re Your Construction Finance Team.
There are a lot of lenders out there who say they do construction loans. Here’s what actually makes ours different — and why Florida developers keep coming back.
Speed That Matches Your Timeline
Bank construction loans can take 60–90 days. Ours close in as little as 2–3 weeks. In a competitive Florida market, that speed is the difference between getting the deal and losing it.
In-House Inspections & Draw Management
We don’t outsource your draws to a third party and then wait. Our in-house inspection and draw management means funds are released fast — so your contractors stay on the job and your project stays on schedule.
Fixed Rate — Only on Funds Advanced
You’re not paying interest on the full loan amount from day one. You pay a competitive fixed rate only on the capital that’s actually been drawn — keeping your carry costs manageable throughout the build.
Interest Reserve Built Into the Loan
During construction, cash flow is tight. We can structure your loan so that interest payments are reserved upfront — so you’re not scrambling to make payments while your building is still going up.
No Prepayment Penalty
When your project sells or refinances faster than expected, you should be able to celebrate — not pay a penalty. Our program carries no prepayment penalty, period.
Developers Supporting Developers
Our lending partners have personally developed and financed over $5 billion in real estate over 30 years. When you call Jhenesis, you’re talking to people who’ve been in your shoes — not a call center reading a script.
How It Works
From First Call to Funded — Here’s What to Expect
We keep it simple. No stacks of paperwork before we’ve even talked. Here’s how the process flows for a typical ground-up construction loan with Jhenesis Mortgage:
Schedule a Call
We learn your project, your timeline, and your goals. No commitment, just a real conversation.
Submit Your Deal
We review your project details, budget, and scope. Quick underwriting — no months-long committee reviews.
Get Approved & Close
Term sheet issued fast. Closings in as little as 2–3 weeks so you can break ground on schedule.
Build With Confidence
In-house draws keep your project funded at every phase. We’re with you from groundbreaking to certificate of occupancy.
Frequently Asked Questions
Real Questions From Florida Developers — Answered Straight
No — borrower experience is not required for our ground-up construction loan program. Our lending partners evaluate the deal on its merits: the property, the market, the budget, and the exit strategy. That said, having an experienced general contractor or construction team does strengthen your file. If you’re newer to development and have a solid deal, reach out — we’ll walk through it together.
Our private construction loans range from $500,000 to $5,000,000. The loan amount can include land acquisition, soft costs, closing costs, construction costs, and an interest reserve — so you’re not piecing together multiple funding sources. For projects outside that range, contact us and we’ll point you in the right direction.
Our program is designed for quick approvals and closings — we can close in as little as 2 to 3 weeks from application. Compared to the 60–90 day timelines typical of bank construction lending, that’s a significant advantage in a competitive Florida market. Speed depends on how quickly documentation is submitted and the complexity of your project.
We fund ground-up construction for Single Family homes (spec), 2–4 unit residential properties, townhomes, and multifamily buildings — all for investment purposes only. Primary residence construction is not eligible under this program. All properties must be located within the state of Florida.
We handle inspections and draw management in-house — which means faster funding and no third-party delays. As your construction hits approved milestones, draws are processed quickly so your contractors and suppliers don’t have to wait on payment. This is one of the biggest day-to-day advantages of working with a lender who has real development experience: we know how critical timely draws are to keeping a project on schedule.
The interest rate is fixed — and importantly, it’s only charged on the monies actually advanced to you, not the full loan commitment. This keeps your carrying costs predictable while you build. You’re not paying interest on capital sitting in reserve.
Yes — Jhenesis Mortgage specializes in serving international buyers and foreign national investors across Florida. Our construction lending program is open to foreign nationals, and our team has deep experience navigating the specific documentation and compliance requirements for international borrowers. We also have Spanish-speaking team members available to assist Latin American clients.
No prepayment penalty — none. If your project sells or refinances before the loan term ends, you pay it off and move on. No exit fees, no penalty windows. That’s how a developer-friendly lender should operate.
Get Started Today
Your Project Deserves a Lender Who Moves as Fast as You Do
Let’s talk about your build. Whether you’re under contract on land, mid-design, or just running numbers — the earlier we connect, the smoother your financing goes.
NMLS #2532705 · Jhenesis Mortgage · Winter Park, Florida
For investment property construction only. All loans subject to lender approval, terms, and conditions.
Learn more about how construction loans work →